AIG Insurance Review

  • With 3.3/5 stars in 2024, AIG is a good insurance company.
  • Read AIG reviews, complaints and prices before you buy.
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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

AIG insurance: Ratings and reviews

3.3 100% filled Star icon 100% filled Star icon 100% filled Star icon 29.999999999999982% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

American International Group, Inc., more commonly known as AIG, has provided a variety of insurance products since 1919. Perhaps best known for its commercial and life insurance options, the New York City-based company is among the largest insurers in the world, with offices in 80 countries. AIG offers home and auto coverage options in the United States tailored to the needs of higher-net-worth individuals.

Read The Zebra's review of AIG’s car insurance options, including coverage offerings, ratings, and overall customer satisfaction.

100% filled Star icon 100% filled Star icon 100% filled Star icon 29.999999999999982% filled Star icon 0% filled Star icon
3.3 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros
  • Offers global coverage and support in many countries

  • Diverse and customizable coverage options

  • As a well-established carrier, they are financially sound

Cons
  • Prices can be on the higher side

  • Leans exclusively toward high-net-worth individuals

  • Local agents lacking in some locations


Is AIG a good insurance company?

The majority of The Zebra's review incorporates how well AIG scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Better Business Bureau: 1.01/5

  • AIG earns 1.01/5 in the BBB's ratings[1]

Trustpilot: 1.5/5

  • Trustpilot rated AIG as 1.5/5 in overall auto customer satisfaction[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for AIG[3]

Financial Strength: Excellent/Good

  • AIG received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, AIG scored ranked 4th overall with a score of 8.73/10. Below you can see where AIG ranked for some of the individual categories.

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Top 5 in online experience

AIG received a score of 9.07/10 ranks 2nd for its online experience, including website and mobile apps.

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Top 5 in trust

AIG ranked 3rd in overall trustworthiness among carriers with a score of 8.74/10.

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Top 5 in likelihood to recommend

Coming in a 4th overall and a score of 8.72/10, AIG customers are highly likely to recommend the company to others.

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Top 5 in claims satisfaction

With a score of 8.92/10, AIG ranked 3rd overall for customer satisfaction for claims.


How much does AIG insurance cost?

Currently, the national average for a 6 month policy is $880, whereas AIG is about $1772 — roughly 101% more expensive than a typical policy.

The table below shows how AIG auto insurance compares against other top insurers' monthly premiums. 

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
AIG $295
Allstate $201
The Hartford $201
MetLife $184
Esurance $172
Farmers $149
State Farm $131

Similar to any insurance company, pricing for AIG auto insurance does vary based on your age and generally will get cheaper the older you get.

The table below shows AIG's car insurance premiums for different age brackets.

AIG Costs by Age Group
Age Group Avg. Monthly Premium
Teens $688
20s $365
40s $296
30s $295
50s $280
60s $268

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Discounts offered

In keeping with the company's focus on higher-net-worth individuals, AIG does not advertise any car insurance discounts on its website or in any other materials. Still, most insurers will offer savings for those who bundle their home and auto coverage

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What types of coverage does GEICO offer?

AIG private client group auto insurance provides all of the standard coverage options that you would expect from a major carrier, only with a bit of a luxury spin. Most AIG auto insurance clients of AIG auto insurance are covering vehicles that are rare or carry a high price tag. Therefore, the company has some unique available coverage options. 

Liability coverage is a core part of AIG's car insurance offering. This required coverage steps in to provide protection in the event you are found liable for damages to another party, such as through an at-fault accident. The company offers very high liability limits which further protects policyholders and their assets. These limits can be as high as $1 million per occurrence. AIG also offers an umbrella policy with limits of up to $100 million. 

  • Worldwide liability coverage: AIG auto insurance policies cover you no matter where in the world you travel, something that most standard carriers do not offer.
  • 360° support: AIG will cover personal belongings that are stolen or damaged. They will also cover living expenses if you are stuck far from home. Even your family pet is protected under AIG’s coverage. 
  • Original manufacturers’ parts: Provided the original parts of your vehicle are still in production, you can expect AIG to cover the replacement of original factory parts for your car.
  • Agreed value: If your car is totaled by a covered loss, you'll receive a payout in the amount agreed upon at the beginning of your policy. This means that depreciation is not factored in.
  • Cash settlement option: AIG insurance gives the option of a cash settlement in the event that a covered loss results in at least damage of 50% or more than the agreed value.
  • Rental car reimbursement: AIG provides rental reimbursement of up to $12,500 with no per-day limit. 

AIG insurance review: Summary

When considering insurance options, the first question that you’ll need to ask yourself is about the level of coverage that you need. If you do not have high-value vehicles or live in a luxury home, AIG may not be the right option for you. The average insurance customer doesn’t have a need for such elaborate coverage options. However, if you have significant assets, AIG provides robust coverage that can follow you around the world.

While Trustpilot and BBB scores don't give them the highest rating, the company does receive fewer complaints than is average. However, for high-net-worth individuals, the cost of your policy is still a factor. You'll want to make sure that you get the best coverage at a price that is fair. Getting insurance quotes from a variety of companies is a good way to get an idea of what coverages are available.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


AIG insurance: Frequently asked questions

AIG is a good insurance choice for high-net-worth individuals with significant assets as it offers diverse and customizable global coverage options. Those without high-value assets or luxury homes are likely better served elsewhere.

AIG (American International Group) offers a wide range of insurance products, including life, retirement, personal auto and home insurance, and travel insurance. They also provide various financial services. They primarily cater to high-net-worth individuals.

American General Life Insurance is a part of AIG (American International Group). They offer a range of life insurance products under the AIG umbrella.

Yes, AIG is a reputable company with a long-standing history in the insurance industry, excellent financial strength, and a below-average complaint index.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.